Text Messaging (SMS) Terms of Service

Effective Date: 10/20/2026

1. Agreement to Receive Text Messages

By providing your mobile phone number and opting in to receive text messages from Great Oaks Bank, you consent to receive SMS and MMS messages regarding banking services, appointment reminders, account service updates, fraud alerts, customer support communications, and other messages related to the purpose for which you provided consent.

Your consent to receive text messages is not a condition of purchasing any product or service or opening or maintaining an account.

2. Message Frequency

Message frequency may vary depending on your interactions with Great Oaks Bank and the services you have requested.

3. Message and Data Rates

Message and data rates may apply. Charges are determined by your wireless carrier and are your responsibility.

4. Opt-Out Instructions

You may opt out of receiving text messages at any time by replying:

STOP to unsubscribe.

After opting out, you may receive a one-time confirmation message.

5. Help Instructions

For assistance, reply:

HELP

or contact Great Oaks Bank at:

• Phone: 478-374-4754

• Email: info@greatoaks.bank

• Website: https://greatoaks.bank

6. Privacy

Your privacy is important to us. Information collected through our SMS program is subject to our Privacy Policy.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent information will not be shared with any third parties.

For additional details, please review our Privacy Policy at:

https://greatoaks.bank/sms-privacy-policy

7. Supported Carriers

SMS services are available on participating wireless carriers. Carriers are not liable for delayed or undelivered messages.

8. Service Availability

Text message delivery is subject to effective transmission by your wireless carrier. Great Oaks Bank does not guarantee that text messages will be delivered on time or without interruption.

9. User Responsibilities

You represent that you are the authorized user of the mobile number provided and agree to notify us if your mobile number changes.

10. Changes to These Terms

Great Oaks Bank reserves the right to modify these Terms of Service at any time. Changes become effective when posted on our website. Continued participation in the SMS program after changes are posted constitutes acceptance of those changes.

11. Contact Information

Great Oaks Bank

5101 5th Avenue

Eastman, GA 31023

info@greatoaks.bank

https://greatoaks.bank